Synchrony vs Barclays
Synchrony pays 3.30% APY; Barclays pays 3.50%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Synchrony
3.30%
APY
- Min
- $0
- Fee
- $0/mo
- FDIC
- Yes
Best for: With no minimum monthly balance requirement and only 1 cent required to open an account, nearly anyone can open a savings account at Synchrony.
Open with Synchrony →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 8/9/2026.